ryanjo,
My friend, you and I may have reached a point to where we need to agree to disagree. The multiple versions are designed, in my opinion to save money. The Small BUSINESS user should be buying Professional to begin with. In my experience, the business owners who buy the Home edition are just being cheap or simply don't know better (although one would think the word "Home" would give it all away).
Furthermore, I have never recommended any of the "cheap" PC's for just the reason you are stating. The Best Buy's and Office Depots of the world are there to nickel and dime you to death or just sell to college kids. If you need a business class machine, then buy a business class machine. In the case of Dell, that means the Optiplex, Precision, or Latitude lines of products.
Also, as I mentioned above, other vendors do the same thing just in different approaches (i.e. editions of support versus editions of product). In those cases, I have seen businesses skimp out and get the cheapest support possible only to scream bloody murder when the vendor isn't there to pick up the pieces in 5 minute or less. So what's the difference?
It never surprises me as to how expensive cheap can be.
JamesNT